Large international transfers, handled by a specialist
Get a free, no-obligation quote and compare it against your bank. Specialist guidance by phone at every step — with FCA-authorised payment partners and your funds safeguarded.
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Specialist service. Personal touch.
The reach of a global payments network, delivered by a dedicated specialist on the phone.
Regulated by partnership
A specialist UK currency broker founded in 2023, working with FCA-authorised payment partners that facilitate billions in international payments globally.
190 countries, 50+ currencies
We handle international payments to over 190 countries in 50+ currencies, through the regulated infrastructure of established global payment networks.
A dealer, not an app
Every trade is handled over the phone by a dedicated specialist. Client funds are held at a tier-one credit institution by our FCA-authorised partners and protected in the event of insolvency.
How it works
Four simple steps to your international transfer
A clear, transparent process — with expert support at every stage.
Request a quote
Speak to a specialist for a live, no-obligation rate based on your currency pair and amount.
Register securely
Quick online registration with regulated compliance checks via our FCA-authorised partners.
Lock your rate
Fix your rate with a spot trade or forward contract — over the phone with your dealer.
Funds delivered
Money arrives via our safeguarded payment network — usually same or next business day.
Broker vs bank
How a specialist broker compares to a bank
UK high-street banks typically apply margins of around 2–4% above the mid-market rate on international transfers, with per-transfer fees of roughly £10–£40. Specialist brokers like Cambridge Currencies typically work to tighter margins, which can mean meaningful savings on larger transfers. Always compare a live quote against your bank before you commit — savings vary by currency pair, amount and timing.
Bank margin and fee figures reflect commonly observed industry ranges; exact pricing varies by bank, account type and transfer size. See the FCA’s Consumer Duty review of international payment pricing transparency.
Reviews
Trusted by clients worldwide
Verified reviews from individuals and UK businesses we’ve helped with international money transfers.
FAQs
Quick answers
How is Cambridge Currencies regulated?
Cambridge Currencies works exclusively with FCA-authorised payment partners — Currencycloud (FRN 900199) and ScioPay (FRN 927951). All transfers are processed through their regulated infrastructure, with client funds safeguarded under UK regulations.
How does this compare to my bank?
UK high-street banks typically apply margins of around 2–4% above the mid-market rate, plus per-transfer fees of roughly £10–£40. Specialist brokers like Cambridge Currencies typically work to tighter margins, with no transfer fees, which can mean meaningful savings on larger transfers. Always compare a live quote against your bank before you commit.
How long do transfers take?
Major currency pairs (GBP/USD, GBP/EUR, GBP/AUD) typically settle the same or next business day. Less common currencies may take 2–3 business days, depending on the recipient bank and time of day the trade is placed.
What is a forward contract?
A forward contract lets you fix today’s exchange rate for a transfer up to 12 months in the future, removing the risk of rate movements before your payment date. It’s particularly useful for property purchases, known business invoices and scheduled overseas costs.
Is there a minimum transfer amount?
Our specialist service is best suited to transfers of £5,000 or more, where the exchange rate margin makes a meaningful difference. We regularly handle transfers from £5,000 to £5 million and above. There is no fixed maximum.
Get your free, no-obligation quote
Compare our exchange rate against your bank before you commit — no hidden fees, no pressure.
Or call a specialist now: +44 (0)1223 608232
All transfers completed by phone with a dedicated specialist · FCA-authorised payment partners (Currencycloud FRN 900199, ScioPay FRN 927951) · Funds safeguarded
Cambridge Currencies Ltd (Company No. 15402338) is not directly authorised by the Financial Conduct Authority and does not hold client funds. Payment services are provided, and client funds safeguarded, by our FCA-authorised partners: The Currency Cloud Limited (FRN 900199) and ScioPay Ltd (FRN 927951), verifiable on the FCA Register. We provide guidance and specialist support, not regulated financial advice. Exchange rates may change between quote and settlement.